Hectorville vs Windsor GardensTwo Adelaide suburbs compared for a home loan
Hectorville (SA 5073) is approximately 8 km east of the Adelaide CBD, beside Fourth Creek. Windsor Gardens (SA 5087) is approximately 8 km north-east of the Adelaide CBD, near the River Torrens. At the 2021 Census, Hectorville had 4,241 residents with a median age of 38, and Windsor Gardens had 5,827 residents with a median age of 36.
In both suburbs the most common occupied dwelling was separate houses. Flats and apartments made up 24% of occupied dwellings in Hectorville and 1% in Windsor Gardens, while 38% of Hectorville households rented compared with 35% in Windsor Gardens. These differences matter for finance, because lenders assess apartments, strata buildings and houses on land differently.
Both suburbs are in the same state, so transfer duty is calculated on the same scale and the difference in upfront cost comes from the purchase price. The panel below applies that scale, and an estimate of lenders mortgage insurance, to the prices you enter.
SA 5073 · Adelaide's inner east
Hectorville
Hectorville is a small inner-eastern Adelaide suburb laid out in 1855, with an unusually high apartment share and renting the largest tenure.
City of Campbelltown. Approximately 8 km east of the Adelaide CBD, beside Fourth Creek.
Read the full Hectorville guideSA 5087 · Adelaide's inner north-east
Windsor Gardens
Windsor Gardens is a north-eastern Adelaide suburb built after the Second World War, where some early homes were imported prefabricated timber houses.
City of Port Adelaide Enfield. Approximately 8 km north-east of the Adelaide CBD, near the River Torrens.
Read the full Windsor Gardens guide
What buying in Hectorville and Windsor Gardens would mean for the loan
The difference between two suburbs is usually a difference in price, and price drives the deposit, the transfer duty, any lenders mortgage insurance and the repayment. Enter the prices you are seeing and the panel works out each of those for Hectorville and Windsor Gardens.
Your prices and deposit
Enter the price you are seeing in each suburb. BorrowWise does not quote prices, so the comparison uses yours.
Enter a price for Hectorville to see the repayment, transfer duty and upfront cash.
Enter a price for Windsor Gardens to see the repayment, transfer duty and upfront cash.
Warning: The interest rate used here is an example only. It is not a comparison rate and is not a rate offered by any lender, and it does not include fees and charges. Different rates, terms, fees or loan amounts will give a different result.
Estimates only. Repayments assume a principal and interest loan at a constant rate, which is an assumption and not a current market rate. Transfer duty is indicative for established homes, first home buyer relief depends on eligibility, and upfront cash includes an allowance of $3,000 for conveyancing and inspections. Lenders mortgage insurance is an estimate and is added to the loan. A lender makes its own assessment.
Hectorville and Windsor Gardens: Census profile compared
Figures are from the 2021 Census, so rents, repayments and incomes have moved since. They are most useful for comparing one suburb with another and with Australia as a whole.
| Measure | Hectorville | Windsor Gardens |
|---|---|---|
| People and households | ||
| Residents | 4,241 | 5,827 |
| Median ageAustralia 38 | 38 | 36 |
| Average household sizeAustralia 2.5 | 2.3 | 2.5 |
| Median household income, weeklyAustralia $1,746 | $1,394 | $1,602 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $300 | $320 |
| Median mortgage repayment, monthlyAustralia $1,863 | $1,700 | $1,600 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 38% | 35% |
| Owned with a mortgageAustralia 35% | 29% | 36% |
| Owned outrightAustralia 31% | 32% | 27% |
| Types of home | ||
| Separate housesAustralia 72% | 65% | 78% |
| Townhouses, terraces and semi-detachedAustralia 13% | 11% | 19% |
| Flats and apartmentsAustralia 14% | 24% | 1% |
| Homes with two bedrooms or fewer | 28% | 19% |
| Homes with four bedrooms or more | 15% | 19% |
| Dwellings unoccupied on Census night | 8% | 6% |
Source: Australian Bureau of Statistics, 2021 Census (CC BY 4.0). Tenure shares exclude households that did not state their tenure. Dwelling shares are of occupied private dwellings.
Home loan considerations in Hectorville and Windsor Gardens
Lenders treat houses on land, townhouses and apartments differently, and some apply extra conditions to small apartments, high-density buildings or particular postcodes. These are the points each guide raises.
Hectorville
- First home buyers
- Investors
- Downsizers
- A quarter of dwellings are flats, so minimum floor area rules and single-building exposure limits matter here.
- Older low-rise strata groups can carry modest sinking funds, making special levies a practical risk.
- Corporation levies are counted in serviceability assessments and reduce borrowing power.
- Renting is the largest tenure, so investment lending is common and assessed on different terms.
- The suburb is small, with 1,803 occupied dwellings, so listings in any period are limited.
Windsor Gardens
- First home buyers
- Upgraders
- Investors
- Downsizers
- Prefabricated timber houses are not conventional construction, and some lenders reduce the maximum loan-to-value ratio or decline them.
- Building insurers may also treat prefabricated timber construction differently, and lenders require cover in place at settlement.
- Townhouses on subdivided lots can face minimum floor area or land size requirements with some lenders.
- Flood and stormwater overlays may apply near the River Torrens corridor, which affects insurance.
- Mortgaged ownership and renting were almost evenly matched, so both owner-occupier and investment lending are common.
Housing stock in Hectorville and Windsor Gardens compared
Hectorville
- Detached houses
- Separate houses numbered 1,163 at the 2021 Census, 64.5 per cent of occupied homes, below the national 72.3 per cent.
- Flats and apartments
- At 433 dwellings, or 24.0 per cent of occupied homes, the apartment share is well above the national 14.2 per cent.
- Townhouses and semi-detached dwellings
- The 202 attached dwellings counted at the 2021 Census are largely infill on subdivided allotments.
Windsor Gardens
- Prefabricated timber houses
- Imported in crates and assembled by tradesmen during 1950 to 1954 using a panel system covered by timber; a non-conventional construction for lending purposes.
- Detached brick and brick veneer houses
- Separate houses numbered 1,794 at the 2021 Census, 77.9 per cent of occupied homes, mostly from the 1950s and 1960s with later infill.
- Townhouses and semi-detached dwellings
- At 435 dwellings, or 18.9 per cent of occupied homes, attached housing is above the national share of 12.6 per cent.
Official sale price and rent figures for Hectorville and Windsor Gardens
Only figures published free of charge by a government agency are shown. Where none is published the space is left empty rather than filled with an estimate. Each guide charts the full series.
Hectorville
No government agency publishes a free median sale price or rent series for Hectorville, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Windsor Gardens
No government agency publishes a free median sale price or rent series for Windsor Gardens, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Transport, schools and amenities in Hectorville and Windsor Gardens
Hectorville
Transport
- Adelaide Metro buses (bus)
- O-Bahn busway (bus)
- Montacute Road (road)
- Glynburn Road (road)
Schools and campuses
- East Torrens Primary School (primary, government)
- St Joseph's School, Hectorville (primary, catholic)
Amenities
- Hectorville local shops
- Fourth Creek corridor
Windsor Gardens
Transport
- Adelaide Metro buses (bus)
- O-Bahn busway (bus)
- North East Road (road)
- Grand Junction Road (road)
Amenities
- River Torrens Linear Park
- Windsor Gardens local shops
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the South Australia education department.
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Request a free assessment: Hectorville or Windsor Gardens
An accredited mortgage broker can check your borrowing power against prices in Hectorville and Windsor Gardens, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.